legal analysis: it should be handed in every year. Rural medical insurance is guaranteed for one year. If you don't pay it, you can't enjoy medical insurance this year. If you pay it next year, you can be guaranteed for one year. In other words, rural medical insurance is guaranteed for one year. There is no limit on how many years to pay. Farmers pay a certain amount of cooperative medical care funds every year, and the collective and the government can also invest part of it, forming a special fund together, and farmers can reimburse medical expenses according to a certain proportion when seeking medical treatment.

legal basis: social insurance law of the people's Republic of China

article 2 the state establishes social insurance systems such as basic old-age insurance, basic medical insurance, industrial injury insurance, unemployment insurance and maternity insurance to protect citizens' right to get material help from the state and society in case of old age, illness, industrial injury, unemployment and maternity.

article 26 the treatment standards of basic medical insurance for employees, new rural cooperative medical care and basic medical insurance for urban residents shall be implemented in accordance with state regulations.

article 28 medical expenses that meet the basic medical insurance drug list, diagnosis and treatment items, medical service facilities standards, and emergency and rescue shall be paid from the basic medical insurance fund in accordance with state regulations.